Call reports 2004
EVERTRUST BANK — 2004
What EVERTRUST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 762,130,000 | 761,101,000 | 760,747,000 |
| Total loans | 666,475,000 | 662,889,000 | 669,229,000 |
| Allowance for loan losses | 9,046,000 | 9,148,000 | 9,084,000 |
| Securities available for sale | 67,553,000 | 66,309,000 | 63,011,000 |
| Securities held to maturity | 2,311,000 | 2,229,000 | 2,171,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 547,351,000 | 554,415,000 | 567,875,000 |
| Interest-bearing deposits | 524,320,000 | 530,436,000 | 543,178,000 |
| Noninterest-bearing deposits | 23,031,000 | 23,979,000 | 24,697,000 |
| Equity capital | 71,063,000 | 72,789,000 | 75,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 11,244,000 | 22,325,000 | 33,444,000 |
| Interest expense | 3,993,000 | 7,826,000 | 11,716,000 |
| Net interest income | 7,251,000 | 14,499,000 | 21,728,000 |
| Noninterest income | 1,086,000 | 2,639,000 | 3,736,000 |
| Noninterest expense | 4,315,000 | 8,934,000 | 13,091,000 |
| Provision for loan losses | 100,000 | 200,000 | 225,000 |
| Pretax income | 3,971,000 | 8,054,000 | 12,197,000 |
| Income tax | 1,442,000 | 2,887,000 | 4,314,000 |
| Net income | 2,529,000 | 5,167,000 | 7,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 70,581,000 | 73,211,000 | 75,929,000 |
| Total capital | 79,205,000 | 81,936,000 | 84,676,000 |
| Risk-weighted assets | 688,995,000 | 697,188,000 | 698,985,000 |